双引擎驱动财富稳健增长 中宏宏图相伴尊享版终身寿险（分红型）隆重上市

Core Insights - The launch of "Hongtu Companion Preferred Edition" by Zhonghong Insurance aims to meet the growing consumer demand for risk protection and wealth management in a volatile economic environment [1][5] Product Features - The product features a "dual-engine compound growth + annual participation in dividends" design, providing a wealth solution that combines growth and sustainability [2] - The annual protection amount increases by 1.75% compounded annually based on the basic insurance amount, while the dividend protection amount also grows at the same rate, unaffected by market fluctuations [2] - The product offers a high dividend distribution ratio of 70%, allowing customers to share in the company's operational success and enhancing the long-term value of the policy [2] Flexibility and Wealth Transfer - The product allows policyholders to access cash value through partial surrender or loans, with loan amounts up to 80% of the cash value and a 60-day interest-free period under certain conditions [3] - Policyholders can designate beneficiaries and set proportions for wealth transfer, ensuring efficient and precise inheritance while avoiding family disputes [3] - The product simplifies the underwriting process with a maximum no-exam coverage of 30 million, reducing barriers to obtaining insurance [3] Company Background and Financial Strength - Zhonghong Insurance, as the first Sino-foreign joint venture life insurance company, has nearly 30 years of experience in the Chinese market, with premium income exceeding 30 billion and a profit of 426 million, a 72% increase year-on-year [4] - The company has over 84.3 billion in investable assets in its dividend account, showcasing strong asset management capabilities [4] - Zhonghong Insurance employs a conservative "core-satellite" investment strategy, achieving an average investment return of 4.37% over the past three years, with robust solvency ratios [4] Strategic Vision - The "Hongtu Companion Preferred Edition" reflects Zhonghong Insurance's commitment to customer-centric innovation, positioning it as a preferred choice for families seeking long-term financial planning and risk management [5]